---
title: "Hiscox vs TechInsurance: Professional Liability (E&O) Insurance"
description: "TechInsurance reports a median monthly and annual E&O premium without naming an insurer, while Hiscox names its underwriting entity but does not publish pricing."
canonical: "https://spot.insure/compare/hiscox-vs-techinsurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hiscox-vs-techinsurance"
provider-a: "hiscox"
provider-b: "techinsurance"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/hiscox-vs-techinsurance/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Hiscox and TechInsurance for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about Hiscox versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Hiscox vs TechInsurance for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Hiscox or TechInsurance?
- What does Hiscox or TechInsurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Hiscox and TechInsurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Hiscox vs TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# Hiscox vs TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance?

TechInsurance cites a median of $88 a month and aims at IT, SaaS, cybersecurity and tax firms, while Hiscox sells professional liability online to small businesses in 49 states and D.C. with phone advisors available.

TechInsurance publishes a company-reported median E&O premium; Hiscox names its underwriting entity but not a price.

## Hiscox vs TechInsurance Professional Liability (E&O) Insurance Summary

TechInsurance reports a median monthly and annual E&O premium without naming an insurer, while Hiscox names its underwriting entity but does not publish pricing. [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance")

## What Are the Key Differences Between Hiscox and TechInsurance Professional Liability (E&O) Insurance?

### Who Carries the Risk

Hiscox names Hiscox Insurance Company Inc. as the underwriter of its admitted professional liability policies. [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") TechInsurance arranges E&O for its customers but does not name the issuing insurer on its product page. [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")

When comparing Hiscox and TechInsurance, decide whether you want direct access to an insurer or a broker who can help structure and shop the placement.

### What Each Publishes About Cost

TechInsurance is the only one of this pair to publish a cost benchmark for the line, drawn from its own book of business:

TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..)

Hiscox's reviewed pages do not publish comparable premium figures for its professional liability product; specific pricing is shown only on a quote. [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses")

### Overlapping Technology Focus, Different Channels

Both companies name technology businesses among typical buyers: Hiscox's appetite guide lists IT consultants and software development among admitted classes, while TechInsurance names IT and software professionals, cybersecurity and SaaS companies specifically. [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") Hiscox sells that coverage directly online itself, while TechInsurance arranges it through its own brokerage rather than underwriting it.

## What Should You Confirm in Hiscox and TechInsurance Professional Liability (E&O) Insurance Quotes?

- Confirm whether Hiscox sells this product directly in your state, since it excludes Alaska. [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses")
- Ask TechInsurance for a quote reflecting your own risk factors rather than relying on its published median. [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")
- Ask TechInsurance which insurer would underwrite your policy, since its page names none. [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")
- Ask both firms for the policy limit and retention, since neither publishes figures beyond TechInsurance's cost median. [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")

## Hiscox vs TechInsurance Professional Liability (E&O) Compared

| Criteria | Hiscox Professional Liability Insurance | TechInsurance Errors and Omissions Insurance |
| --- | --- | --- |
| Who It’s For | Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant..) | TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Who should get errors and omissions insurance coverage? section..) |
| Coverage Features | Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy..) | TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page; general policy description, not a specific policy form..)<br><br>TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section..) |
| Role in This Line | Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-stated online small-business channel..) | TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page..) |
| Claims Support | A professional-liability FAQ tells current customers that the claims phone line is open 24 hours a day, 7 days a week, separate from the general claims-center hours listed elsewhere on the Hiscox site. [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Company-described claims-reporting availability for this product's FAQ; does not establish claim outcomes or turnaround time..) | TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. [5](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, How does E&O insurance coverage work? section..) |

## About Hiscox and TechInsurance and Professional Liability (E&O)

- [Hiscox company profile](https://spot.insure/insurance-providers/hiscox) · [Hiscox customer reviews](https://spot.insure/insurance-providers/hiscox/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Hiscox vs TechInsurance Professional Liability (E&O)

- [Hiscox vs TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Hiscox Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/hiscox/professional-errors-omissions)
- [TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/techinsurance/professional-errors-omissions)

## Sources for Hiscox vs TechInsurance

### Sources About Hiscox

1. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
2. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq). Hiscox; Claims-made description; current-customer claim number described as open 24 hours a day, 7 days a week. Accessed 2026-09-16.
3. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent. Accessed 2026-09-16.
4. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; technology classes including IT consultants and software development. Accessed 2026-09-16.

### Sources About TechInsurance

5. [Errors & Omissions (E&O) Insurance](https://www.techinsurance.com/errors-omissions-insurance). TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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